There are many things to consider when applying for a mortgage. Your income, down payment, and credit will all affect your loan amount. But the commuting costs from your job to your new home can affect your mortgage, too.

Credit.com reports:

"Some lenders may consider commuting expenses if you have to drive beyond a certain number of miles to work and back every day or week. That monthly cost can factor into your overall debt-to-income ratio (DTI) and directly impact how much you can borrow."

Of course, not all lenders consider your commute when calculating how much home you can afford. Some lenders may only use part of your commute—every mile after the first 50, for example. Either way, this could still reduce your disposable income.

Essentially, your monthly driving expenses are calculated and deducted from your income. In some cases, you might have to go for a lower loan amount. To avoid an unexpectedly higher mortgage payment, Credit.com suggests estimating your commuting costs using a housing and transportation calculator. Read the full post for more details.